In these uncertain times, you may find it difficult to make decisions about your finances, including deciding whether specific expenses and purchases are justified. For many, cutting out unnecessary bills during the COVID-19 pandemic is necessary to their survival. Purchasing a long-term disability insurance policy is likely to be one of the most effective ways to protect yourself and your family during the pandemic.

The primary purpose of LTD insurance is to protect your income if you are sick or injured and unable to work. With coronavirus affecting more than two million Americans as of the date of this writing, and no end to the pandemic in sight, you very well may become infected with the virus at some point in the future. If you are unable to work for a protracted period due to coronavirus or its many possible complications, long-term disability is there to provide for you financially.

Purchasing an LTD policy may be even more important if you work in a profession in which you have higher than normal exposure rates to the virus. Medical professionals, such as doctors and nurses, nursing home workers, and retail workers may have a higher probability of contracting the virus than individuals who work from home or work in low-risk professions. As a result, they are even more likely to benefit from an LTD policy, which can help protect their income if they become ill.

Many companies provide LTD benefits to their employees at little or no cost to them. However, even if you don’t have these benefits available to you through your job, you still can purchase a private LTD policy through most insurance agents. Although a private policy is likely to cost you more than an employer-sponsored policy, you can have peace of mind that you still will have income if you contract the coronavirus.

Obtaining long-term disability coverage can be essential to protecting your future. When you initiate a claim under this coverage, however, you need to be aware of your rights and responsibilities, which may necessitate the assistance of legal counsel. At Bonnici Law Group, we offer you client-centered representation at all stages of the long-term disability benefit claims process. When you need the kind of help that only an experienced long-term disability benefits attorney can offer you, contact Bonnici Law Group at 858-261-5454 or help@bonnicilawgroup.com.